JP2020126593A - Information providing system at electronic payment using beacon signal, server for information providing system, program, and information providing method - Google Patents

Abstract

To provide an information providing system and the like that provide privilege information regarding QR code settlement of each company for a user who comes to a register of a store and allow the user to shop economically.SOLUTION: An information system includes a user terminal device, a server, and a first beacon terminal device. The user terminal device stores electronic settlement means (specific settlement means information) which can be used by the user terminal device in a user terminal side storage unit. The first beacon terminal device is installed near a register terminal in a store and transmits a first beacon signal. The server stores, in a server side storage unit, privilege (specific settlement privilege information) given when specific electronic settlement means is used. When a user comes near the register terminal in the store, the user terminal device transmits the specific settlement means information to the server triggered by the first beacon signal, receives the specific settlement privilege information from the server, and displays it to the user.SELECTED DRAWING: Figure 1

Description

The present invention relates to an information providing system and the like for electronic payment using a beacon signal.

In recent years, electronic payment has become popular as one of cashless payments. For example, QR code payment, which is one of electronic payments, is a method of performing payment by reading a QR code with a smartphone when paying at a store.

The QR code (registered trademark) settlement has an advantage that it can be used in various models regardless of the model of the user terminal by downloading the application to the user terminal.

By the way, there are two methods of QR code payment: “code payment” and “reading payment”. The code payment is a method in which the user displays the QR code on the application downloaded to the user terminal at the time of payment and the shop side reads the QR code at the POS terminal to make payment. The reading payment is a method in which the store displays a QR code unique to the store at the time of payment, the user reads the QR code with the application downloaded to the user terminal, and inputs the purchase amount to make payment.

On the other hand, although it is a field that is not directly related to payment, a system that sends a beacon signal to a user's smartphone to push an advertisement related to the place where the beacon signal is installed to the user's smartphone. It has been known.

For example, in Patent Literature 1, a beacon terminal device is installed in each tenant of a shopping mall, and when a user enters a shopping mall, a beacon signal is used to push an advertisement of each tenant to a user's smartphone. A system for notifying is disclosed.

In addition, in Patent Document 2, a beacon terminal device is installed in an ATM, and when the user withdraws money from the ATM, a beacon signal is used to set the time and the ATM to the user's smartphone. There is disclosed a system that pushes an optimal advertisement in consideration of various information such as location and user attribute information.

JP, 2017-37574, A JP, 2017-151781, A

When the user desires QR code settlement for code payment, the user activates the corresponding application from the smartphone at the cash register of the store and displays the QR code.

However, as the number of companies developing the QR code payment business increases, it is expected that a plurality of applications will be downloaded to the user's smartphone for the QR code payment.

Furthermore, in such a situation, each company offers a discount or a refund to a user who has used his/her own QR code payment in order to preferentially use his/her own QR code payment. It is expected that the benefits will be granted.

In the above situation, various privilege information of each company becomes enormous and complicated, and when a user makes a purchase at a specific store, the QR code settlement of which company makes the most advantageous purchase. There is a problem in that it is difficult to obtain appropriate information about what can be done.

Therefore, the present invention overcomes the above problems and provides privileged information regarding QR code settlement of each company to users who come in front of the cash register of a store, and provides information that enables users to make good shopping. Provide the system etc.

In order to solve the above-mentioned subject, one mode of the present invention is an information service system provided with a user terminal unit, a server, and a 1st beacon terminal unit, and the 1st beacon terminal unit is in a store. A user terminal side storage unit that is installed near a cashier terminal and transmits a first beacon signal; and the user terminal device stores specific payment means information indicating an electronic payment means that can be used in the user terminal device; A user terminal side communication unit that receives the first beacon signal and transmits the specific payment means information to the server, and a specific payment privilege indicating a privilege given when the specific payment means information is used from the server. A display unit that receives information and displays it to the user, and the server, for each specific electronic payment means, payment privilege information indicating a privilege granted when the payment means is used. A server-side storage unit to store, a server-side processing unit that extracts the specific payment privilege information corresponding to the specific payment means information received from the user terminal device based on the information in the server-side storage unit, and the server An information providing system comprising: a server-side communication unit that transmits the specific payment privilege information extracted by the side processing unit to the user terminal device.

One aspect of the present invention is an information providing system including a user terminal device, a server, and a first beacon terminal device, wherein the first beacon terminal device is installed near a cashier terminal in a store and is a first device. A beacon signal is transmitted, and the server stores, for each specific electronic payment means, payment privilege information indicating a privilege granted when the payment means is used, and at least one of the payments. A server-side communication unit that links the privilege information to information indicating a corresponding electronic payment means and transmits the privilege information to the user terminal device, wherein the user terminal device is an electronic device usable by the user terminal device. A user terminal-side first storage unit that stores specific payment method information indicating a payment method, and the payment privilege information is repeatedly received from the server, and stored while being updated in a state of being linked to information indicating an electronic payment method. The second storage unit corresponding to the user terminal, and the information corresponding to the specific settlement means information based on the information in the first and second storage units on the user terminal side triggered by the reception of the first beacon signal. The information providing system includes: a user terminal side processing unit that selects specific payment privilege information that is payment privilege information; and a display unit that displays the specific payment privilege information to the user.

One aspect of the present invention is, for each specific electronic payment means, a server-side storage unit that stores payment privilege information indicating a privilege given when the payment method is used, and information of the server-side storage unit. And a server-side processing unit that extracts the specific payment privilege information corresponding to the specific payment means information that is information received from the user terminal device and that indicates the electronic payment means that can be used in the user terminal device. And a server-side communication unit that transmits the specific payment privilege information extracted by the server-side processing unit to the user terminal device.

According to one aspect of the present invention, a server-side storage unit that stores, for each specific electronic payment means, payment privilege information indicating a privilege granted when the payment method is used, and at least one of the payment privilege information. It is a server for an information providing system, comprising: a server-side communication unit that repeatedly transmits to a user terminal device in association with information indicating an electronic payment means corresponding to the payment privilege information.

One aspect of the present invention is, when a computer receives a beacon signal, a function of transmitting specific settlement means information indicating an electronic settlement means available in the computer to a server, and the server from the specific settlement means information. The program is characterized by having a function of receiving specific payment privilege information indicating a privilege granted when the is used and displaying the specific payment privilege information on the display unit.

One embodiment of the present invention is predetermined based on a function of a computer to receive a beacon signal and specific payment means information indicating an electronic payment means that can be used by the computer when the beacon signal is received. It is a program that realizes a function of displaying specific payment privilege information on a display unit according to a rule.

1 aspect of this invention WHEREIN: A user terminal device receives the 1st beacon signal which the 1st beacon terminal device installed near the cashier terminal in a store transmits, and the said user terminal device is the said 1st process. A second step of receiving one beacon signal and transmitting the specific settlement means information to the server, and a third step of the server receiving the specific settlement means information and transmitting the specific settlement privilege information to the user terminal device. And a fourth step in which the user terminal device that has received the specific payment privilege information displays a fourth step of displaying the specific payment privilege information.

According to an aspect of the present invention, the user terminal device repeatedly receives the payment privilege information from the server, and stores the payment privilege information in the second storage unit on the user terminal side while updating the information in association with the information indicating the electronic payment means. One step, a second step in which the user terminal device receives a first beacon signal transmitted by a first beacon terminal device installed near a cashier terminal in a store, and the user terminal device is a user terminal side first 1 payment privilege information corresponding to the specific payment means information based on the specific payment means information stored in the storage unit and the information of the payment privilege information stored in the user terminal side second storage unit And a third step of selecting the specific payment privilege information and a fourth step of displaying the specific payment privilege information by the user terminal device.

As described above, according to the present invention, it is possible to obtain an effect that a user who owns a smartphone can carry out a more advantageous shopping while referring to the privilege information regarding the QR code settlement of each company during the QR code settlement. ..

It is a figure explaining the outline of the information service system in one embodiment of the present invention. It is a figure explaining the example of hardware constitutions of user terminal unit 200 used for the information service system in one embodiment of the present invention. It is a figure explaining the structural example of the information provision system in 1st Embodiment of this invention. It is a figure explaining the structural example of the information provision system in 2nd Embodiment of this invention. It is a figure explaining the structural example of the information provision system in 3rd Embodiment of this invention. It is a figure explaining the data structural example stored in the server side memory|storage part 102 of the information provision system in 1st Embodiment of this invention. It is a figure explaining the data structural example stored in the server side memory|storage part 103 of the information provision system in 2nd Embodiment of this invention. It is a figure explaining the example of composition of the store information put on the beacon signal of the information service system in a 2nd embodiment of the present invention. It is a figure explaining the data structural example stored in the server side memory|storage part 102 of the information provision system in 2nd Embodiment of this invention. It is a figure explaining the example of a display of privilege information on a user terminal (1) in one embodiment of the present invention. It is a figure explaining the example of a display of privilege information on a user terminal (2) in one embodiment of the present invention. It is a figure explaining the example of a display of privilege information on a user terminal (3) in one embodiment of the present invention. It is a figure explaining the example of a display of privilege information on a user terminal (4) in one embodiment of the present invention. It is a figure explaining the example of a display of the QR code in the user terminal in one embodiment of the present invention. It is a block diagram explaining an example of composition of an information service system in a 1st embodiment of the present invention. It is a block diagram explaining an example of composition of an information service system in a 3rd embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In all the drawings, the same constituents will be given the same reference numeral, and the description thereof will not be repeated.

(System overview)
FIG. 1 shows an outline of the information providing system in this embodiment. In the example of FIG. 1, the user 210 possesses the user terminal device 200. The user terminal device 200 is, for example, a mobile terminal such as a smartphone. The user 210 enters from the entrance 310 of the store 300 (position A), continues shopping while looking at the product shelf 320 (positions B and C), and approaches the cashier terminal 330 (position D) to purchase the product.

A beacon terminal device 340 is installed near the cashier terminal 330 and transmits a beacon signal for a short distance of several meters. Examples of the installation location of the beacon terminal device 340 include a location that can be connected to the cashier terminal 330, a location on the cashier counter 350, and the like. The distance is preferably within 1 m from the cashier terminal 330.

Therefore, at the position D, the user terminal device 200 receives the beacon signal. Upon receiving the beacon signal, the user terminal device 200 automatically transmits the specific payment means information (electronic payment means available in the user terminal device 200) described later to the server of the present invention (that is, without input from the user). ..

The server 100 of the present invention, which has received the specific payment means information, transmits the specific payment privilege information (privilege information regarding the electronic payment means available in the user terminal device 200) described later to the user terminal device 200. The user terminal device 200 that has received the specific payment privilege information displays the selection screen displaying the privilege information on the display unit for the user 210.

The user 210 selects one payment method from the selection screen displayed on the display unit and displays the QR code for payment (that is, the QR code used at the time of payment). After that, the user 210 shows the QR code to the cashier in charge 360 in the cashier counter 350 and completes the payment. It should be noted that using the QR code for settlement is an example, and it is not always necessary to use the QR code. Alternatively, the cashier clerk 360 may be absent, the cashier terminal 330 may be an unattended cashier, and the user 210 may perform the cashier processing by himself. In the following, description will be omitted regarding whether it is a manned cash register or an unmanned cash register.

(Example of hardware configuration of user terminal device 200)
FIG. 2 is a diagram showing an example of the hardware configuration of the user terminal device 200. The main configuration of the user terminal device 200 is realized by using an integrated circuit. This integrated circuit has a bus 201, a processor 202, a memory 203, a storage device 204, an input/output interface 205, and a network interface 206.

The bus 201 is a data transmission path for the processor 202, the memory 203, the storage device 204, the input/output interface 205, and the network interface 206 to exchange data with each other. However, the method of connecting the processors 202 and the like to each other is not limited to bus connection.

The processor 202 is an arithmetic processing unit realized by using a microprocessor or the like.

The memory 203 is a memory implemented using a RAM (Random Access Memory) or the like.

The storage device 204 is a storage device realized by using a ROM (Read Only Memory), a flash memory, or the like.

The input/output interface 205 is an interface for connecting the bus 201 to a device. In FIG. 2, a display device 207 (not shown) is connected to the input/output interface 205. The display device 207 is an example of the display unit of the present invention. The input/output interface 205 also has a function of connecting an antenna for receiving a beacon signal to the bus 201.

The network interface 206 is an interface for connecting the user terminal device 200 to an external communication network. The method of connecting the network interface 206 to the communication network may be wireless connection or wired connection.

The storage device 204 stores a program module for realizing each functional element of the user terminal device 200.

The processor 202 realizes each function of the user terminal device 200 by reading this program module into the memory 203 and executing it.

The hardware configuration of the integrated circuit described above is not limited to the configuration shown in FIG. For example, program modules may be stored in memory 203. In this case, the integrated circuit may not include the storage device 204.

Each element of the user terminal device 200 shown in FIG. 2 may be housed in one housing. In this case, the user terminal device 200 is, for example, a smartphone, a tablet terminal, a mobile phone, a wearable device, or the like.

(First embodiment)
FIG. 3 is a configuration example of the information providing system in the first embodiment of the present invention. The first embodiment of the present invention is an information providing system including a server 100, a user terminal device 200, and a first beacon terminal device 340.

The server 100 of the present invention includes server-side storage units 101 and 102. The server-side storage unit 101 stores information about existing electronic payment means. The server-side storage unit 102 stores payment privilege information, that is, information associated with privilege information for existing electronic payment means. Here, the privilege information is information regarding all kinds of profits to be given to the user when a specific payment method is used.

FIG. 15 is a block diagram illustrating a configuration example of the information providing system according to the first embodiment of the present invention.

FIG. 6 is a diagram illustrating a data configuration example of payment privilege information stored in the server-side storage unit 102. When the existing electronic payment means A to Z exist, the privilege information when each electronic payment means is used is linked. For example, the payment means A gives double points as usual according to the amount of money purchased, and the payment means Y has a privilege of receiving a 1% discount if the customer purchases 1,000 yen or more. It can be seen that the payment means B, C, and Z have no privilege.

The user terminal device 200 includes a user terminal side storage unit 201. The user terminal side storage unit 201 stores specific payment means information which is an electronic payment means that can be used in the user terminal device 200. The user 210 can use the electronic payment means in the user terminal device 200 by installing a corresponding application in the user terminal device 200 in order to use the electronic payment means. For example, in FIG. 3, the user 210 installs the payment means A, B, and C in the user terminal device 200 when the existing electronic payment means A to Z exist. It should be noted that this user terminal does not have to be a terminal owned by the user, and may be a case where the user uses a terminal under the name of another person for rental or the like.

The first beacon terminal device 340 is installed near the cashier terminal 330 in the store. The first beacon terminal device 340 transmits the first beacon signal to the user terminal device 200 that is located within the communication distance and is communicable by the short-range wireless communication according to the Bluetooth (registered trademark) standard. To do. The communicable range of the first beacon signal transmitted by the first beacon terminal device 340 is set to about several meters, for example. The short-range wireless communication method used between the first beacon terminal device 340 and the user terminal device 200 is not limited to Bluetooth (registered trademark) described above, and may be, for example, ZigBee (registered trademark), NFC. (Near Field Communication), a sound wave beacon, a Wi-Fi beacon, and other methods may be adopted.

(Processing method of the first embodiment)
In FIG. 3, when the user 210 approaches the cashier terminal 330 in the store for payment, the user terminal device 200 receives the first beacon signal transmitted by the first beacon terminal device 340 (step S10). ..

The user terminal device 200 that has received the first beacon signal is automatically used by the user terminal side communication unit with respect to the server 100 of the present invention in the user terminal device 200 stored in the user terminal side storage unit 201. Specific payment method information, which is a possible electronic payment method, is transmitted (step S20). For example, in FIG. 3, the information that the settlement means A, B, and C are available is transmitted.

In the server 100 of the present invention, which has received the specific payment means information, the server side processing unit refers to the payment privilege information stored in the server side storage unit 102 to identify the privilege information corresponding to the specific payment means information. The payment privilege information is extracted and transmitted from the server side communication unit to the user terminal device 200 (step S30). For example, in FIG. 3, the server 100 of the present invention performs a process of extracting privilege information corresponding to the payment means A, B, and C, and then transmits the privilege information to the user terminal device 200. In the example of FIG. 6, this is privilege information that the payment means A doubles points and the payment means B and C have no benefits.

The user terminal device 200 that has received the specific payment privilege information displays the specific payment privilege information as a selection screen on the display unit (step S40). Hereinafter, a selection screen display example will be described with reference to FIGS. 10 and 13.

An example of the selection screen displayed on the display unit of the user terminal device 200 is shown in FIG. 10. FIG. 10 is a display example in which specific payment privilege information is simply listed without prioritizing. The privilege information 501 to 503 is added to the payment means A, B, and C, respectively. As a result, the user 210 who sees the selection screen display can grasp in a short time what kind of privilege can be obtained by selecting which settlement method. FIG. 10 further displays icons 601 to 603. This icon is a link to proceed to the payment method. That is, when the user 210 refers to the specific payment privilege information and selects a specific payment method, by touching an icon, the application of the selected payment method is started or a QR code is displayed. , It becomes easier to proceed to the subsequent payment. In the selection screen display, whether or not to display such an icon in addition to the specific payment privilege information is arbitrary.

Similarly, FIG. 13 is also a display example in which specific payment privilege information is simply listed without prioritizing. However, unlike FIG. 10, in FIG. 13, the QR codes 701 to 703 are directly displayed instead of the icons 601 to 603 together with the privilege information 501 to 503 of the payment means A, B, and C. Thereby, the user 210 can refer to the specific payment privilege information, select a specific payment method, and proceed to payment with the screen displayed. In the selection screen display, whether or not to display such a QR code in addition to the specific payment privilege information is arbitrary. When such a QR code is displayed, the following steps S50 and S60 can be omitted.

The user 210 who sees the selection screen display selects a specific payment method and sends an instruction to proceed to electronic payment to the server 400 of the company that provides the specific payment method (step S50). For example, in FIG. 3, the user 210 selects the settlement means A and requests the server 400 of the QR code settlement company A to transmit the QR code information.

The server 400 includes an electronic payment information storage unit 401, receives an instruction to proceed to the electronic payment, and transmits information for payment to the user terminal device 200 (step S60). For example, in FIG. 3, the server 400 receives the QR code information transmission request from the user 210 and transmits the QR code information to the user terminal device 200.

After that, the user terminal device 200 receives the information for payment from the server 400, and displays the information for payment on the display unit to the user 210 (step S70). For example, in FIG. 3, the user terminal device 200 displays the QR code information to the user 210 (FIG. 14). The user 210 can show the QR code information to the cashier 360 and complete the electronic payment.

(Second embodiment)
FIG. 4 is a configuration example of the information providing system in the second embodiment of the present invention. The difference from the first embodiment of the present invention is that the first beacon signal is associated with store information that identifies the store in which the first beacon terminal device 340 is installed, and is stored in the server-side storage unit 102. The payment privilege information that is provided includes the privilege information for each store.

It is possible that the privilege information is uniform for each payment method, but on the other hand, it is also possible that the privilege information is set in detail, such as by providing unique privilege information for each store, region, and type of store. It In view of such a situation, the present embodiment provides the user with more detailed privilege information.

FIG. 8: is a figure which shows the structural example of the shop information put in the 1st beacon signal which the 1st beacon terminal device 340 transmits in this embodiment. In addition to the beacon identifier that is the unique number of the first beacon terminal device 340, the store information includes a store ID as the store information. The store ID is a unique number assigned to each store in which the first beacon terminal device 340 is installed. As the store ID, individual numbers can be assigned to all stores capable of electronic payment nationwide. The beacon identifier may be treated as the store ID. In this case, the store ID is unnecessary.

FIG. 9 is a diagram illustrating a data configuration example of linking a store ID, a store type, and a store location stored in the server-side storage unit 102 in the present embodiment. Although only the numerical information of the store ID is put on the first beacon signal, the server-side storage unit 102 can combine the store ID with detailed store information such as the type of store and the store location.

FIG. 7 is a diagram illustrating a data configuration example of the payment privilege information stored in the server-side storage unit 103 in the present embodiment. Unlike FIG. 6 of the first embodiment, the privilege information of each payment means is stored for each store ID.

(Processing method of the second embodiment)
In FIG. 4, when the user 210 approaches the vicinity of the cashier terminal 330 in the store for payment, the user terminal device 200 receives the first beacon signal transmitted by the first beacon terminal device 340 (step S11). .. As described above, the store information is included in the first beacon signal.

The user terminal device 200 that has received the first beacon signal is automatically used by the user terminal side communication unit with respect to the server 100 of the present invention in the user terminal device 200 stored in the user terminal side storage unit 201. Specific payment method information and store information, which are possible electronic payment methods, are transmitted (step S21). For example, in FIG. 4, the information that the settlement means A, B, and C are available and the information about the store ID (001) are transmitted.

In the server 100 of the present invention, which has received the specific settlement means information and the store information, the server side processing unit refers to the settlement privilege information for each store stored in the server side storage unit 103 to refer to the specific settlement means information and the store. Specific payment privilege information, which is privilege information corresponding to the information, is extracted and transmitted from the server-side communication unit to the user terminal device 200 (step S31). For example, in FIG. 4, in the server 100 of the present invention, the privilege information corresponding to the payment means A, B, C and the store ID (001) is extracted and then transmitted to the user terminal device 200. In the example of FIG. 7, this is privilege information that points are doubled in the payment means A, time sale (30% off) in the payment means B, and no benefits in the payment means C.

The user terminal device 200 that has received the specific payment privilege information displays the specific payment privilege information as a selection screen on the display unit (step S41). Hereinafter, a selection screen display example will be described with reference to FIGS. 11 and 12.

FIG. 11 is an example of a selection screen display in which the specific settlement privilege information is displayed by prioritizing the privilege in descending order of the privilege (for example, in the order of higher discount rate or point return rate or higher discount amount). Of the payment methods A, B, and C, the payment method B having a larger privilege is displayed with the privilege information 504 and the icon 604 as the first priority. Then, the settlement means A having the next highest privilege is displayed as the second priority with the privilege information 505 and the icon 605.

FIG. 12 is a selection screen display example in which the specific payment privilege information is displayed by focusing on the payment means having the largest privilege. Among the payment methods A, B, and C, only the payment method B having the highest privilege is displayed together with the privilege information 504 and the icon 604.

The user 210, who sees the selection screen display, selects a specific payment method and sends an instruction to proceed to electronic payment to the server 410 of the company that provides the specific payment method (step S51). For example, in FIG. 4, the user 210 selects the settlement means A and requests the server 410 of the QR code settlement company B to transmit the QR code information.

The server 410 includes an electronic payment information storage unit 411, receives an instruction to proceed to the electronic payment, and transmits the information for payment to the user terminal device 200 (step S61). For example, in FIG. 4, the server 410 receives the transmission request of the QR code information from the user 210 and transmits the QR code information to the user terminal device 200.

After that, the user terminal device 200 receives the payment information from the server 410 and displays the payment information on the display unit for the user 210 (step S71). For example, in FIG. 4, the user terminal device 200 displays the QR code information to the user 210 (FIG. 14). The user 210 can show the QR code information to the cashier 360 and complete the electronic payment.

(Third Embodiment)
FIG. 5 is a configuration example of the information providing system in the third embodiment of the present invention. The difference from the second embodiment of the present invention is that the user terminal device 200 repeatedly receives the payment privilege information from the server 100 of the present invention and stores (synchronizes) the payment privilege information in the user terminal side second storage unit 203.

In the first and second embodiments of the present invention, since the payment privilege information is stored in the server 100 of the present invention, the user terminal device 200 receives the trigger of the first beacon signal every time the electronic payment is made. The specific payment privilege information was received from the server 100 of the present invention and displayed. However, considering the communication status and the burden on the server 100 of the present invention, the processing may be delayed during electronic payment. Therefore, in the third embodiment of the present invention, the payment privilege information is stored (synchronized) in the user terminal-side second storage unit 203 of the user terminal device 200 before the electronic payment timing, and the electronic payment is performed by the user terminal. The device 200 alone is supposed to complete the process.

FIG. 16 is a block diagram illustrating a configuration example of the information providing system according to the third embodiment of the present invention.

(Processing method of the third embodiment)
In FIG. 5, the user terminal-side second storage unit 203 of the user terminal device 200 repeatedly stores the payment privilege information from the server 100 of the present invention by updating it before the electronic payment timing (step S1). ).

Note that the payment privilege information in this case may be all privilege information held by the server 100 of the present invention, or may correspond to specific payment means information indicating an electronic payment means available in the user terminal device 200. It may be the specific settlement privilege information which is the privilege information. When the former has a large amount of information, it is preferable to store (synchronize) only the latter information in order to reduce the load on the user terminal side second storage unit 203 of the user terminal device 200. In the latter case, for example, the user terminal device 200 repeatedly transmits the specific settlement means information to the server 100. The server 100 transmits the specific payment privilege information corresponding to the received specific payment means to the user terminal device 200.

When the user 210 approaches the cashier terminal 330 in the store for payment, the user terminal device 200 receives the first beacon signal transmitted by the first beacon terminal device 340 (step S12). For example, in FIG. 5, the store ID (001) is transmitted.

The user terminal device 200 that has received the first beacon signal also includes the information of the user terminal side first storage unit in which the specific payment means information is stored and the user terminal side second storage unit 203 in which the payment privilege information is stored. Then, the specific payment privilege information, which is the payment privilege information corresponding to the specific payment means information, is extracted to create the display data (step S32). For example, in FIG. 5, the payment means A, B, and C are stored in the user terminal side first storage unit 202, and the payment means A, B, and C are stored from the payment privilege information stored in the user terminal side second storage unit 203. The privilege information corresponding to B and C and the store ID (001) is extracted to create display data. In the example of FIG. 7, this is privilege information that points are doubled in the payment means A, time sale (30% off) in the payment means B, and no benefits in the payment means C.

The user terminal device 200 displays the specific payment privilege information on the display unit as a selection screen (step S42).

The user 210 who sees the selection screen display selects a specific payment method and sends an instruction to proceed to electronic payment to the server 410 of the company that provides the specific payment method (step S52).

The server 410 includes an electronic payment information storage unit 411, receives an instruction to proceed to the electronic payment, and transmits information for payment to the user terminal device 200 (step S62).

After that, the user terminal device 200 receives the payment information from the server 410 and displays the payment information on the display unit for the user 210 (step S72).

(Fourth Embodiment)
The information providing system (not shown) in the fourth embodiment of the present invention has two beacon terminal devices, unlike the first to third embodiments of the present invention.

The first beacon terminal device is the first beacon terminal device 340, which is installed near the cashier terminal 330 in the store and transmits the first beacon signal for a short distance of several meters. The second beacon terminal device is the second beacon terminal device, is installed in association with the store, and transmits the second beacon signal to a relatively long distance. For example, the second beacon terminal device is installed near the entrance of a store or near the entrance of a shopping mall where the store is located, and transmits the second beacon signal for a distance of several meters to several tens of meters.

In the case of the first and second embodiments of the present invention, the user terminal device 200 that has received this second beacon signal at a place prior to electronic payment, such as near the store entrance 310, indicates to the server 100 of the present invention specific payment means information. To send.

In the case of the fourth embodiment of the present invention, the user terminal device 200 that has received the second beacon signal at a place prior to electronic payment, such as near the store entrance 310, updates the payment privilege information with respect to the server 100 of the present invention. Send instructions.

As a result, the user terminal device 200 can acquire or synchronize the specific payment privilege information at a timing closer to electronic payment. In this case, the first beacon signal received in the vicinity of the cashier terminal 330 in the store may not have any particular significance, may only check whether or not updated privilege information is available, and may be used for a certain period of time. The QR code that has become invalid after the passage of may be updated. By such pre-processing, the actual electronic payment can be performed more smoothly.

(Fifth Embodiment)
The electronic payment means may be provided with an upper limit of the total use amount of the privilege, for example, the privilege is provided up to the usage of 10,000 yen per month, but the benefit is not provided thereafter. It is not practical to provide the specific payment privilege information even if the privilege has been exceeded and the privilege has been exceeded.

Further, in the electronic settlement means, for example, the privilege is set up according to the total usage amount such that the privilege is large until the usage of 10,000 yen per month, but the privilege becomes smaller thereafter. There is. In this case, it is necessary to provide specific settlement privilege information according to the total usage amount.

Therefore, the information providing system (not shown) in the fifth embodiment of the present invention, in addition to the first to fourth embodiments of the present invention, considers the total amount of use of the electronic payment means within a predetermined period. Then, it has a function of providing specific settlement privilege information.

In the present embodiment, the payment privilege information includes information on the privilege of the payment means and the total amount of usage within a predetermined period. Further, the server side storage unit or the user terminal side storage unit stores the total amount of use of the settlement means within a predetermined period.

The server side processing unit or the user terminal side processing unit calculates the privilege in the total usage amount within the predetermined period, and extracts or selects the specific settlement privilege information.

A fifth embodiment of the present invention will be described with reference to FIGS. 3 and 15 for explaining the first embodiment. The server-side storage unit 102 stores payment privilege information, that is, information associated with privilege information for existing electronic payment means. In the fifth embodiment of the present invention, the server-side storage unit 102 further includes information on the privilege of the electronic payment means and the total amount of use within a predetermined period.

The predetermined period may be, for example, one week, one month, three months, half a year, one year, or the like. The predetermined period is set by a company that provides a cashless payment service.

The server-side storage unit (not necessarily at the same place as 102) also stores the total amount of use of the electronic payment means used by the user in the past within a predetermined period.

The privilege and the information on the total amount of use within a predetermined period may have the following contents, for example.
・If the total usage for one month exceeds 30,000 yen, the benefits will no longer be granted.
・If the total usage amount for one week exceeds 10,000 yen, the return rate will be smaller, although benefits will be added thereafter.

When extracting the specific payment privilege information, the server-side processing unit stores the electronic payment means stored in the server-side storage unit 102 based on the total usage amount of the payment means stored in the server-side storage unit within a predetermined period. The privilege is extracted from the privilege and the information about the total amount of usage within a predetermined period.

The fifth embodiment of the present invention can also be applied to the third embodiment. In this case, information about the total amount of use of the electronic settlement means used by the user in the past, the privilege of the electronic settlement means, and the total amount of use within the predetermined period is stored in the user terminal side storage unit (FIG. 5, 16).

As a result, in the fifth embodiment of the present invention, it is possible to provide more accurate specific payment privilege information.

(Sixth Embodiment)
The information providing system (not shown) in the sixth embodiment of the present invention provides the specific payment privilege information in consideration of the rule set by the user, in addition to the first to fifth embodiments of the present invention. It has a function.

In the first to fifth embodiments of the present invention, the specific payment privilege information is determined regardless of the user's preference.

However, some users may prefer to preferentially use a certain payment method. That is, for example, when there are three payment methods A, B, and C that can be used in the user terminal device 200, the user does not have an interest in maximizing the privilege at the time of one shopping, and the entire month of the month. There may be a case in which the payment means A is intensively used to maximize the benefit of the payment means A for one month in total.

Further, for example, similarly, when there are three payment methods A, B, and C that can be used in the user terminal device 200, the user basically wants to make payment each time with the payment method A. When the settlement means B provides a considerably advantageous privilege as compared with the settlement means A at the time of one-time shopping, there are cases where it is desired to use the settlement means B.

In any case, the user sets a rule in advance, and the server-side processing unit or the user terminal-side processing unit provides the specific payment privilege information in consideration of this rule, so that the user's request is satisfied. Will be satisfied.

The user can set desired rules in advance by using the input/output interface 205 of the user terminal device 200. The rules set by the user are stored in the server-side storage unit or the user terminal-side storage unit, and the server-side processing unit and the user terminal-side processing unit respectively refer to them when processing. The rules set by the user may be set once and then fixed thereafter, or may be changed each time according to the user's wishes.

As a result, in the sixth embodiment of the present invention, it is possible to provide the specific payment privilege information in consideration of the user's wish in consideration of the rule set by the user.

(Seventh embodiment)
Some electronic payment methods determine a privilege depending on a region or a store, and some electronic payment methods determine a privilege depending on a product. Depending on the situation, the privilege determined for each product is large, and it is desired to provide the specific payment privilege information in consideration of the product.

In the seventh embodiment of the present invention, the product discriminating unit has a function of discriminating the type of the commodity and providing specific settlement privilege information according to the commodity.

As the product discrimination unit, for example, the user terminal device 200 can be considered. In this case, the product can be identified by the following method.
A method in which the cashier clerk 360 displays the product information read by the cashier-side terminal 330 at the time of purchasing the product in a QR code, and the user 210 reads it with the camera of the user terminal device 200 to make a determination.
A method in which product information is stored in advance in the server-side storage unit 102 or the user terminal-side storage unit 201, and the user 210 determines the bar code of the product to be purchased by the camera of the user terminal device 200 before purchasing the product.

According to the seventh embodiment of the present invention, even when a plurality of products are purchased, it is possible to provide the specific settlement privilege information by totaling the benefits of the plurality of products.

As described above, in the first to seventh embodiments, the information providing system using the beacon terminal device has been described. However, in addition to the embodiment using the beacon terminal device, WiFi or GPS is used (the circle range is set by itself. (Can be set) When the user terminal 200 detects the entrance/exit of the geofence area and triggers it, or replaces the encrypted beacon code with a QR code or a recognition image to trigger pseudo reception of a beacon by the camera. In this case, a case where a liquid crystal screen such as a smartphone is simultaneously touched or a continuous touch pattern is used as a trigger can be adopted as an embodiment.

100 server 101, 102 server side storage unit 200 user terminal device 201 user terminal side storage unit 210 user 300 store 310 store entrance 320 merchandise shelf 330 cash register terminal 340 first beacon terminal device 350 cashier counter 360 cashier clerk 400 of payment company A Server 410 Payment company B's servers 501-505 Special information 601-605 Icons 701-703 QR code

Claims (16)

An information providing system comprising a user terminal device, a server, and a first beacon terminal device,
The first beacon terminal device is installed near a cashier terminal in a store and transmits a first beacon signal,
The user terminal device receives the first beacon signal and a user terminal side storage unit that stores specific settlement means information indicating an electronic settlement means available in the user terminal device, and stores the specific settlement means information. A user terminal side communication unit that transmits to the server, a display unit that receives from the server specific payment privilege information indicating a privilege granted when the specific payment means information is used, and displays the received information to the user. Equipped with
The server stores, for each specific electronic payment unit, a server-side storage unit that stores payment privilege information indicating a privilege granted when the payment unit is used, and information on the server-side storage unit. A server-side processing unit that extracts the specific payment privilege information corresponding to the specific payment means information received from the user terminal device, and the specific payment privilege information extracted by the server-side processing unit to the user terminal device. An information providing system including: a server-side communication unit that transmits. An information providing system comprising a user terminal device, a server, and a first beacon terminal device,
The first beacon terminal device is installed near a cashier terminal in a store and transmits a first beacon signal,
The server stores, for each specific electronic payment means, a server-side storage unit that stores payment privilege information indicating a privilege granted when the payment method is used, and an electronic device that corresponds to at least one of the payment privilege information. A server-side communication unit that transmits the information to the user terminal device in association with information indicating a typical payment means,
The user terminal device repeatedly receives the payment privilege information from the user terminal-side first storage unit that stores specific payment means information indicating an electronic payment means that can be used by the user terminal device, and the electronic payment means. User terminal-side second storage unit that stores the information while updating it in a state of being linked to the information indicating the conventional payment means, and the user terminal-side first and second memories when the first beacon signal is received. A user terminal side processing unit that selects the specific payment privilege information that is the payment privilege information corresponding to the specific payment means information based on the information of the unit, and a display unit that displays the specific payment privilege information to the user. An information providing system that includes and. The information according to claim 1 or 2, wherein store information specifying a store in which the beacon terminal device is installed is associated with the first beacon signal, and the payment privilege information corresponds to the store information. Offer system. 4. The specific payment privilege information according to claim 1, wherein one piece of payment means is shown together with the privilege, or a plurality of payment means is prioritized and shown together with the benefit. Information provision system. The information providing system according to claim 1, wherein the electronic payment means uses a QR code. Having a second beacon terminal device installed in association with the store,
The user terminal device receives the second beacon signal transmitted by the second beacon terminal device, thereby transmitting the specific payment means information to the server, or the server sends an instruction to update the payment privilege information. The information providing system according to claim 1, wherein the information providing system transmits the information to the information providing system. The payment privilege information includes information on the privilege of the electronic payment means and the total amount of usage within a predetermined period,
7. The server-side processing unit or the user-terminal-side processing unit extracts or selects the specific payment privilege information in consideration of the privilege and information regarding the total amount of usage within a predetermined period. The information providing system according to any one of items. 8. The server side processing unit or the user terminal side processing unit extracts or selects the specific payment privilege information in consideration of a rule set by the user terminal device holder. The information providing system according to item 1. The user terminal device includes a product determination unit that determines what product the user holds before payment, and the server-side processing unit or the user terminal-side processing unit is determined by the product determination unit. 9. The information providing system according to claim 1, wherein the specific payment privilege information is extracted or selected in consideration of the product. A server-side storage unit that stores, for each specific electronic payment method, payment privilege information indicating a privilege granted when the payment method is used;
Based on the information in the server-side storage unit, the specific payment privilege information corresponding to the specific payment means information that is information received from the user terminal device and that indicates an electronic payment means that can be used in the user terminal device. A server-side processing unit to extract,
A server-side communication unit that transmits the specific payment privilege information extracted by the server-side processing unit to the user terminal device;
An information providing system server including. A server-side storage unit that stores, for each specific electronic payment method, payment privilege information indicating a privilege granted when the payment method is used,
A server-side communication unit that repeatedly transmits at least one of the payment privilege information to a user terminal device in association with information indicating an electronic payment means corresponding to the payment privilege information,
An information providing system server including. On the computer,
A function of transmitting specific payment means information indicating an electronic payment means available in the computer to the server when the beacon signal is received,
A function of receiving, from the server, specific payment privilege information indicating a privilege given when the specific payment means information is used, and displaying the specific payment privilege information on a display unit;
A program characterized by having. On the computer,
A function to receive beacon signals,
Upon receiving the beacon signal, based on the specific payment means information indicating the electronic payment means available in the computer, according to a predetermined rule, a function of displaying the specific payment privilege information on the display unit,
A program that realizes. The program according to claim 10, wherein the predetermined rule is appropriately updated by repeated communication between the computer and the server. A first step in which the user terminal device receives the first beacon signal transmitted by the first beacon terminal device installed near the cashier terminal in the store;
A second step in which the user terminal device receives the first beacon signal and transmits specific settlement means information to a server;
A third step in which the server receives the specific payment means information and transmits specific payment privilege information to the user terminal device;
The fourth step in which the user terminal device that has received the specific payment privilege information displays the specific payment privilege information,
A method for providing information, comprising: A first step in which the user terminal device repeatedly receives the payment privilege information from the server, and stores it in the user terminal-side second storage unit while updating it while linking it to the information indicating the electronic payment means;
A second step in which the user terminal device receives a first beacon signal transmitted by a first beacon terminal device installed near a cashier terminal in a store;
The user terminal device, based on the information of the specific payment means information stored in the user terminal side first storage unit, and the payment privilege information stored in the user terminal side second storage unit, the identification A third step of selecting specific payment privilege information which is the payment privilege information corresponding to the payment means information,
A fourth step in which the user terminal device displays the specific payment privilege information;
A method for providing information, comprising: